Comparison

Collctiv vs EQ Share Plans

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Collctiv

Easily collect money from friends for group gifts, parties, or any shared expense. Avoid chasing payments and manage group funds effortlessly. Sign up for free and start pooling money in under a minute.

Highlights
  • Create money pools for group gifts
  • Collect money for parties and events
  • Gather messages for group cards
  • Track who has paid in real-time
  • Easy payment collection from friends
  • Manage ongoing group activities
Features
Read full description

Organise your friends like a boss - never again be left out of pocket for your group! When you’re the one who puts in all the hard work of planning everyone’s social life, why should you have to be left holding the bill? Collctiv is the quickest and easiest way to pool money with your friends. Tasked with getting the perfect group gift for a colleague? Planning the hen or stag party of a lifetime? Are you the one who sorts out the weekly sporty get-together? Need to get money from everyone to be able to book those tickets? Why should you have to pay out for the group and then spend the rest of your life chasing people for the money back?? It may just be the odd tenner here or there to your friends (yes, Dave, I’m talking to you), but when everyone from every area of your life owes you a tenner, you’re out by a few hundred quid. And we are not ok with that. Sign up for free, create a money pool and begin collecting money from your friends in less than 60 seconds. MONEY POOLS FOR GROUP GIFTS Say goodbye to the jingle of useless coins in a brown paper envelope and hello to quickly and easily getting money from everyone involved in the group gift. Even if you are still in the same office/location as the other people, you don't want them emptying their wallets into your hands just so you can spend ages totting up that £13.74 for someone's retirement gift. Cash is dead, long live digital money. And because it's so easy for everyone to chip in to the gift pool - they don't have to do any banking or even download an app - you should find you'll get more money than you would normally. Ker-ching. COLLECT MONEY AND MESSAGES Halve your job list by getting those messages for the group's card at the same time as their payments. You're very welcome. MONEY POOLS FOR EVERYTHING It’s a truth universally acknowledged that every group of friends is in want of an Organiser… Quotes from 300-year-old books aside, you know you’re an Organiser when you find yourself volunteering to research destinations for that group holiday (even though no one asked), or when you’ve already got 4 amazing ideas for your Dad’s birthday present (which isn’t for another 9 months). The good news is, Collctiv can be used to collect money upfront from any group of people, for any group booking or purchase. So you can relax and get back to your spreadsheets in peace, knowing the money’s taken care of. KNOW WHO’S IN There’s nothing more infuriating than trying to plan or book something for your group and having 20,000 back and forths in WhatsApp just to determine who’s actually chipping into the money pool. Get your mates to put their money where their mouths are - it’s so easy to pay, they’ve got no excuse. REAL-TIME KITTY* Need to collect for an ongoing group activity like a sports team? You’ll love our real-time balance updates as people pay into your money pool, and as you withdraw. Easily see how much is in the pot, how much you’ve ever collected, and a list of all the transactions. *Disclaimer: actual live kitties not included. PAYMENT LINKS AND QR CODES We know there’s always (at least) one person (Dave) in your group of friends who never pays up or always promises to pay you in pints. Well, Dave just about owes you a brewery by now, so stop letting him get away with it! We’ve made it beyond easy for Dave to pay upfront, so he really has no excuse. When you create a money pool, it autogenerates a unique payment link that you can share straight into WhatsApp or text or wherever. All Dave has to do is tap and pay - no app download, no account set up, no banking, no excuse. And if Dave turns up to that gig you paid for apologising that he forgot, your money pool also has a unique QR code - all Dave has to do is scan it and pay you there and then. Sorry, Dave! The game’s up. Collctiv uses bank-level SSL encryption to protect your data and payments. We use 3D secure on all payments to protect you and your friends.

About

EQ Share Plans

Manage your investments and monitor your share plans with ease. Securely log in using biometric authentication and receive notifications for investment milestones. Take action on your goals directly through the app.

Highlights
  • Biometric login (fingerprint/Face ID)
  • Investment monitoring
  • Share plan management
  • Milestone event notifications
  • Instruction submission
Features
Read full description

Share plans at your fingertips! Set a biometric login using your fingerprint or Face ID and start monitoring your investments. When a milestone is reached on your share plan you can give your instruction via the app using the events functionality. Mobilise your goals using the EQ Share Plans app today.

Screenshots

Collctiv4 screens
EQ Share Plans4 screens

Verdict

The call

The clearest difference is review sentiment: Collctiv at 68% against EQ Share Plans's 21%. Collctiv also leads on rating (4.3 vs 1.4) and ratings volume (192 vs 16). EQ Share Plans's advantage is iOS requirement (14.0 vs 16.4). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Collctiv holds the better App Store score, 4.3 against 1.4. That said, the two scores are not equally well evidenced: Collctiv has 192 ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 68% of Collctiv's written reviews are positive against 21% of EQ Share Plans's.

UpkeepUpdate frequency

Collctiv ships an update monthly, EQ Share Plans every 6 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
Collctiv versus EQ Share Plans: the parameters behind the verdict, then further details
ParameterCollctivEQ Share Plans
PriceFreeFree
Rating4.3 (192 ratings) — better1.4 (16 ratings)
Positive reviews67.7% of reviews — better20.8% of reviews
Number of ratings192 — better16
Update frequencyMonthly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.414.0 — better
Further details — not scored
Size69 MB222 MB
Age rating17+4+
DeveloperCollctiv LtdEquiniti

Customer experience

Collctiv

All ratings191 ratings
Positive82.2%
Neutral2.1%
Negative15.7%
Written reviews155 reviews
Positive67.7%
Neutral1.9%
Negative30.3%

EQ Share Plans

All ratings16 ratings
Positive12.5%
Neutral0.0%
Negative87.5%
Written reviews144 reviews
Positive20.8%
Neutral5.6%
Negative73.6%

User reviews

Collctiv

From 192 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Seamless process
  • 💡 Helpful for collections
  • 🔒 Secure payments
  • 🤝 Great customer service

Room to improve

  • 🔍 Lack of transparency on fees
  • 🕰️ Slow withdrawal process
  • 🔒 Strict ID verification requirements
  • 💰 High withdrawal fees

EQ Share Plans

From 16 App Store ratings

What we love

  • 👍 Easy to use interface
  • 📊 Clear display of investment information
  • 🔐 Biometric login options available
  • ⚡ Fast performance when logged in
  • 💼 Convenient for managing share plans

Room to improve

  • 🚫 Persistent login failures and errors
  • 🔄 Repeatedly forgets stored login credentials
  • ⏱️ Frequent unexpected logouts
  • 🔐 Biometric settings not retained
  • 🐛 App crashes on launch or during use

Bugs and requests

Collctiv

Reported bugs

3 issues
  • Payment processing issues
  • Account lockouts without clear reason
  • Withdrawal errors

Requested features

4 requests
  • Option to pay fees instead of contributors
  • Faster withdrawal timeline
  • More flexible ID verification process
  • Customizable donation amounts

EQ Share Plans

Reported bugs

12 issues
  • Login credentials not accepted despite being valid on website
  • App freezes when entering login details
  • Repeated account lockout warnings
  • Password reset not syncing between app and website
  • Face ID and PIN settings cleared after logout
Show 7 more
  • App crashes on landing screen
  • Charts fail to load reliably
  • App crashes when clicking 'SIP Planner'
  • Stock prices lag behind market values
  • Session timeout errors during normal use
  • Unable to login after app updates
  • App won't open or instantly closes

Requested features

10 requests
  • Add two-factor authentication (2FA)
  • Support for additional companies (GSK, AstraZeneca, Rolls-Royce, Howdens, HP, etc.)
  • Persistent biometric login storage
  • Withdrawal functionality in app
  • Display account numbers and fund withdrawal information
Show 5 more
  • Real-time stock price updates
  • Integration with Shareview platform
  • Improved login persistence across sessions
  • Skip 'Start Now' page on app launch
  • Feature parity with website version

In-app purchases

None

Collctiv

No in-app purchases

None

EQ Share Plans

No in-app purchases

Questions

Is Collctiv free?
Collctiv is free to download, with no in-app purchases.
Is EQ Share Plans free?
EQ Share Plans is free to download, with no in-app purchases.
Which has better reviews, Collctiv or EQ Share Plans?
Collctiv is rated higher. Collctiv averages 4.3 out of 5 from 192 ratings, while EQ Share Plans averages 1.4 from 16 ratings.
Do Collctiv or EQ Share Plans have ads?
Neither Collctiv nor EQ Share Plans shows ads.
Which is updated more often, Collctiv or EQ Share Plans?
Collctiv ships an update monthly, and EQ Share Plans every 6 weeks. Most recently, Collctiv was updated on November 6, 2026 and EQ Share Plans on November 7, 2026.

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